credit card debt
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Financial Advice
Unfortunately, we have racked up quite bit credit card debt just on everyday expenses. Most of the debt has been for gas and groceries. ...
Answers
- L., This economy is tough for everyone. Whatever you do, do not go with a debt consolidation company who promises to save you money and work w/ your credit card c...
- I have not ever been in that situation, but from watching a number of different things on tv, magazines etc. You should definitely look at your debt and lay it out if ...
- Hello, I hear you there. Though I must say, your debt is not bad and very manageable. I would not close out accounts or take out any more loans. If you do get an offer...
Debt Consolidation Is It Worth It/does It Work???
Sep 2, 2009 ... She placed credit card debt as the last of all financial priorities. .... i consolidated my credit card debt and it was totally worth it. my credit sucked ...
Answers
- I joined CNI a few years ago and they negotiated a good portion of my debt away. Look into them too, I cancelled all my cards and have bad credit for a few years but...
- Hi there, We looked into this last year when we encountered some of the same problems. You have to be really careful about which companies you go with - there are man...
- Several years ago I went with Consumer Credit Counseling and had a great experience with them. I learned my lesson and, as great as my counselor was, I plan on never ...
Need Information on Debt Consolidation
It's not a loan, they take all of your credit card debt and whatever als you have, they call of them, they get them to agree to no interest, then pay just 1 ...
Answers
- I would call around, or ask your bank or credit Union. Just becarful. Alot of places will offer you more money than you need, and that only gets you father into debt. ...
- Hi K., I don't have any advice for you but I feel your pain. My husband and I are struggling to make out bills. Good luck. Chris
- I used a debt consolidation company called Consumer Credit Counseling and paid off all my debt within 2 years, they were awesome and the fact that I used them did NOT ...
Debt Consolidation Anyone Done This Before ?
I have been researching online about debt consolidation and am still confused. I have a lot of chargeoff's / credit card debt that i want to take care of ...
Answers
- I am doing that now, I did a lot of research too, I did find a company that seems to be ligit, we have had no problems with them so far. I belive we are using Freedom...
- Another Dave Ramsey fan here! My husband and I are totally debt free (including no mortgage), thanks to working multiple jobs, cutting spending, and bargaining with c...
- do you own a house? if you do you can look into a home equity or a line of credit...rates are pretty low right now. Can request quotes if you use lending tree. Int...
Credit Starter
I agree with the others that recommend not getting a credit card. The only thing that comes from it is debt. My advise would be to go buy Dave Ramsey's ...
Answers
- If you don't belong to a credit union you can join, I would suggest that. My credit union is GREAT. I will NEVER go back to a regular bank. I have two secured cred...
- Another Dave Ramsey fan chiming in here. Please do not get a credit card just to "build your credit" (or encourage anyone else to do so...especially a teenager or col...
- My husband and I have found that the best credit card is American Express. It has a good rate. Now typically if you don't have any credit your limit is going to star...
I"m DEBT Free..Not! I Need Your Advice Again!
My husband and I didn't have any credit card debt when we took it, but we really weren't paying attention to where our money was going. ...
Answers
- I have actually NEVER heard of the person before. I make decent money, and although I'm not completely debt free, at this time I only owe about $20,000. $10,000 of tha...
- Hi A., It took my husband and I exactly 22 months to get out of debt completely. We were at $27,000 in debt with credit cards, loans, and a remaining car note balanc...
- Nothing personal against Dave Ramsey...but am I the only one that see's that HE is the one rakin' in the cash? Books, talkshows, seminars....hhmm? Its this simple, l...
Major Debt Considering Bankruptcy or Foreclosure
We are now in the difficult situation of being 141K in debt, Credit cards maxed. ONly have 9K left on 1 card, and we can't make the minimum on that one now. ...
Answers
- Hi. I am an attorney and let me start offf by saying that what I am about to say does not mean that I am your attorney. Sorry, but had a "friend" burn me when I didn...
- Please let me know what you find out. I have been considering bankruptcy for a number of years. Although, I don’t have credit card debt, I have many other negative m...
- My aunt and uncle just went thru bankrupcy, As far as I know it was not too hard. It does cost like 800-900 to get the ball rolling. They were able to keep their hou...
Debt Consolidation Programs
We need to get our monthly payments lowered on our credit card debt...paying over $1000 per month is killing us financially:( Please let me know of any ...
Answers
- We are working with Debt Settlement USA. The FTC and others have warned against companies that settle your debts for you, but this was one that the FTC uses as a good...
- Hi H., We did not use a company, but instead worked directly with the companies to lower our interest rates. I called each company and explained that I was looking...
- H., 2 1/2 years ago we were in the same boat as you are. We signed up with TAKE CHANGE AMERICA. They contacted all of our credit cards for us and negotiated them do...
Debt and What to Do...
My question is that the debt is not credit card, but other various things and I am on a very limited income. I need to learn to budget better, that's a ...
Answers
- Hi R.! Sometimes an extra stream of income can help get yourself out of debt! We have many on our team who have paid off debt and some who have replaced their full t...
- First, go on your credit report and contest everything. Say you paid it off years ago, and were told is was paid off. Use strong words (I PAID this.) If the creditor...
- Hi - sounds like a tricky situation. I am an attorney and have a little experience with this. You might try negotiating with your creditors. Creditors are a little ...
Small Business Credit Card Recommendation
Read all 12 responses: "Does anyone have a small business credit card that they ... Suggestions for a Good Credit Card That Gives Back ... Paying off Debt ...
Answers
- I love my business Discover. I love the cash back bonus. I used it to buy presents this year :)
- J.-The American Express is by the the best!! The fee is a write off anyways and is worth it and you get points. We have been using it for years and have had to dispu...
- I have used Advanta for a number of years for my stamping business (http://lisamiller.stampinup.net) and have been mostly happy. Yes they won't budge on their interest...
